Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

Embrace Pet Insurance offers nose-to-tail accident and illness protection and an additional Wellness Rewards program. Its diminishing deductible feature, Healthy Pet Deductible™, is included with every policy as standard. Learn more about Embrace’s plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
5

out of 5

POSTED: | BY: Shayne

I have been a customer for a little…

I have been a customer for a little over a year. My dog had a pretty serious injury requiring multiple vet specialists, ultrasounds, and rehab. Embrace has covered all of it. Been easy to work with and submit claims as long as you have the required documentation. Would recommend.
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5

out of 5

POSTED: | BY: CH

Quick, easy reimbursement after emergency surgery

My large dog had emergency surgery and Embrace reimbursed the cost, less my deductible quickly. Process was easy, seemless, and transparent which was much appreciated after the chaos leading up to needing the emergency surgery. Thanks Embrace!
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5

out of 5

POSTED: | BY: Customer

Great Company and Excellent Service

Making the claim could not be easier and the payment was prompt. No surprises - everything as advertised.
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5

out of 5

POSTED: | BY: Cheryl

Fan of Embrace!

I have been very impressed with my experience with Embrace. Everybody has been very responsive and helpful. I would definitely recommend Embrace Pet Insurance. In fact, I have recommended it to my mother, who is getting a puppy in a few weeks, and another friend. Thank you to all of the people that work at Embrace who know the importance of customer service.
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3

out of 5

POSTED: | BY: Cheryl Boigegrain

I'm out of a lot of money and I haven't collected a dime.

I have been paying insurance for my dachshund for several years and it keeps going up. I just turned in my first claim for $190 and I'm not going to get anything because of the deductible. Meanwhile my insurance went from $100 a month to $131 a month right after I turned in my first claim. Why did it go up? I haven't collected a dime from you. If I had just saved the amount that I've paid you each month I would have enough for an expensive surgery.
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Monthly Cost

$13 – $100, depending on your chosen plan.

Coverage

You have a co-pay of 10%, 20% or 30% after your deductible, depending on your chosen plan. The pay-out amount is based on your actual vet bill.

Payout Limits

Annual limit of $2000, $5000, $10,000 or $15,000.

Deductible

Annual deductible options from $100 – $1,000.

Age Limits

Pet must be at least 6 weeks old to enroll. New pets over 14 are eligible for accident-only coverage. Once enrolled, pets can stay insured regardless of age.

Waiting Period

There is a two-week illness waiting period, which begins on your policies’ effective date. Orthopedic conditions have additional Waiting or exclusion periods that vary by state.

Exclusions

Pre-existing conditions are not covered. Hereditary and congenital conditions are covered if they have not been diagnosed or suspected before the policy becomes active. Main plan covers alternative treatments such as chiropractic, acupuncture and homeopathic when provided by a licensed veterinarian. Optional wellness and prescription drug plans are available for an additional cost.
Embrace Pet Insurance detail
Embrace Pet Insurance protects over 100,000 pets across the U.S. with nose-to-tail accident and illness protection. In addition to its pet insurance policy, Embrace offers a Wellness Rewards program to help cover the cost of routine veterinary care, grooming and training. Its Healthy Pet Deductible™, the industry’s first and only diminishing deductible feature, is included with every policy as standard. For every policy sold, Embrace donates $2 to a pet-related charity, as well as offering additional funding and support to shelters and other charitable organizations.
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